Dear Readers:
Yesterday I had the privilege to attend a seminar put on in part by Amy Clark-Kleinpeter with the Central District Consumer Bankruptcy Attorneys Association.
She taught about what constitutes unfair debt collection practices. Most of us already know that creditors are not suppose to call you before 8:00 a.m. or 9:00 p.m. But did you know. . . .
... They cannot threaten garnish your wages if the statute of limitations has expired on the collection of the debt.
.... That after four years most debt (not based on fraud) they can sue you but they can't win the case. Which means you could be entitled to attorney's fees defending such an action.
... That they are not allowed to use profanity. . .
For more detailed information about what can and can't be done, click on the link to the State of California's publication on Fair Debt Practices which is below.
Additionally, I would highly recommend that you call her for representation. She is bright, articulate and is a down to earth attorney who genuinely wants to help. Click on this link to see her information. She is still working on her web-site so call her instead! In many cases it won't cost you anything to put an end to those harassing phone calls! http://lawyers.law.cornell.edu/lawyer/amy-e-clark-kleinpeter-1481386
Link to State of California publication re Unfair Debt Collection Practices
http://docs.google.com/viewer?url=http://www.dca.ca.gov/publications/legal_guides/dc_2.pdf&pli=1
Until I have more to report. . . .
Time to get financially fit. . . give us a call for your fresh financial start!
